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Article 1 - General Provisions
§ 33-24-1. Definitions - As used in this chapter, the term: History. Code 1933,...
§ 33-24-2. Applicability of Chapter - This chapter applies to all insurance policies and to annuities...
§ 33-24-3. Insurable Interest; Personal Insurance - and in the life or physical or mental ability of...
§ 33-24-4. Insurable Interest; Property Insurance - History. Orig. Code 1863, § 2745; Code 1868, § 2753;...
§ 33-24-5. Persons Having Capacity to Contract for Insurance; Purchase of Insurance by or for Minors; Rescission, Avoidance, or Repudiation of Contracts by Minors - History. Code 1933, § 56-2406, enacted by Ga. L. 1960,...
§ 33-24-6. Consent of Insured to Insurance Contract; Exceptions; Reliance by Insurer on Statements in Application - History. Code 1933, § 56-2407, enacted by Ga. L. 1960,...
§ 33-24-6.1. Prerequisites for Replacement Life Insurance Exceeding Insurance Being Surrendered - Notwithstanding the provisions of subsection (d) of Code Section 33-24-3,...
§ 33-24-7. Statements and Descriptions in Applications or in Negotiations Deemed Representations and Not Warranties; Effect of Misrepresentations Upon Recovery Under Policies - History. Code 1933, § 56-2409, enacted by Ga. L. 1960,...
§ 33-24-8. Admissibility in Evidence of Applications in Actions Between Insurer and Insured - As to kinds of insurance other than life insurance, no...
§ 33-24-9. Approval or Disapproval of Forms - History. Code 1933, § 56-2410, enacted by Ga. L. 1960,...
§ 33-24-10. Grounds for Disapproval of Forms - The Commissioner shall disapprove any form filed under Code Section...
§ 33-24-10.1. Standard or Uniform Claim Form - The Commissioner is authorized to establish by rule or regulation...
§ 33-24-11. Waiver by Commissioner of Use of Standard or Uniform Provisions in Policies or Contracts; Approval of Use of Substitute Provisions - History. Code 1933, § 56-2412, enacted by Ga. L. 1960,...
§ 33-24-12. Noncomplying Conditions or Provisions; Cancellation of Contracts Covering Uninsurable Subjects - History. Code 1933, § 56-2418, enacted by Ga. L. 1960,...
§ 33-24-13. Execution of Policies; Use of Facsimile Signatures - Every insurance policy shall be executed in the name of...
§ 33-24-14. Delivery of Policies; Applicability of Uniform Electronic Transactions Act; Additional Mailings - I AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH...
§ 33-24-14.1. Electronic Delivery of Plan Documentation - History. Code 1981, § 33-24-14.1 , enacted by Ga. L....
§ 33-24-15. When Policies or Contracts Become Effective - A policy of insurance or an annuity or endowment contract...
§ 33-24-16. Construction of Policies - Every insurance contract shall be construed according to the entirety...
§ 33-24-16.1. Clarification of Term “Actual Charge” or “Actual Fee” - History. Code 1981, § 33-24-16.1 , enacted by Ga. L....
§ 33-24-17. Assignment of Policies - A policy may be assignable or not assignable, as provided...
§ 33-24-18. Contents of Insurance Policies and Annuity Contracts Generally - History. Code 1933, §§ 56-2413, 56-2414, enacted by Ga. L....
§ 33-24-19. Incorporation of Constituent Documents in Policies - No policy shall contain any provisions purporting to make any...
§ 33-24-19.1. Certificate of Insurance Forms to Be Approved by Commissioner; Definitions; Required Provisions of Certificate - History. Code 1981, § 33-24-19.1 , enacted by Ga. L....
§ 33-24-20. Provision in Accident and Sickness Policies for Termination of Coverage of Surviving Spouse or as Result of Break in Marital Relationship; Issuance of Policy to Spouse - History. Code 1933, § 56-3004.1, enacted by Ga. L. 1980,...
§ 33-24-21. Provision in Accident and Sickness Policies for Termination of Group Coverage of Surviving Spouse or as Result of Break in Marital Relationship; Issuance of Policy to Spouse - History. Code 1933, § 56-3102.1, enacted by Ga. L. 1980,...
§ 33-24-21.1. Group Accident and Sickness Contracts; Conversion Privilege and Continuation Right Provisions; Impact of Federal Legislation - (a.1) Any group member or qualifying eligible individual who is...
§ 33-24-21.2. Continuation of Coverage Under Group Accident and Sickness Plans for Persons 60 Years of Age or Older - This paragraph shall not affect conversion rights available to a...
§ 33-24-22. Provision in Health Insurance Policies for Coverage of Newly Born or Adopted Children - History. Code 1933, § 56-2441, enacted by Ga. L. 1974,...
§ 33-24-23. Provision in Group Policies of Accident and Sickness Insurance for Exclusion or Reduction of Benefits - Notwithstanding any other provisions in this title to the contrary,...
§ 33-24-24. Provision in Group or Blanket Accident and Sickness Policies of Coverage for Complications of Pregnancy - History. Code 1933, § 56-2443, enacted by Ga. L. 1977,...
§ 33-24-25. Provisions in Group or Blanket Policies Excluding or Reducing Coverage of Persons Eligible for or Receiving Medical Assistance - No group or blanket accident and sickness policy shall contain...
§ 33-24-26. Provisions Limiting or Restricting Payment of Benefits for Preexisting Illnesses or Conditions - No group accident and sickness insurance policy, other than policies...
§ 33-24-26.1. Provisions Required in Group Policies or Contracts of Disability Income Insurance Covering Preexisting Conditions; Restrictions on Preexisting Condition Limitations or Exclusions - History. Code 1981, § 33-24-26.1 , enacted by Ga. L....
§ 33-24-27. Provision for Reimbursement for Services Within the Lawful Scope of Practice of Psychologists or Chiropractors - History. Code 1933, § 56-2445, enacted by Ga. L. 1980,...
§ 33-24-27.1. Provision for Reimbursement for Services Within the Lawful Scope of Practice of Optometrists - Notwithstanding any provisions in such policies or contracts which might...
§ 33-24-27.2. Provision for Reimbursement for Services Within the Lawful Scope of Practice of Athletic Trainers - Notwithstanding any provisions in policies or contracts which might be...
§ 33-24-28. Termination of Coverage of Dependent Child Upon Attainment of Specified Age - History. Code 1933, § 56-2440, enacted by Ga. L. 1972,...
§ 33-24-28.1. Coverage of Treatment of Mental Health or Substance Use Disorders - History. Code 1933, § 56-2447, enacted by Ga. L. 1981,...
§ 33-24-28.2. Coverage of Outpatient Surgery - History. Code 1933, § 56-2447, enacted by Ga. L. 1981,...
§ 33-24-28.3. Policies Not to Exclude Payment to Hospitals Specializing in Treatment of Alcoholics or Drug Addicts - No policy of accident and sickness insurance, other than a...
§ 33-24-28.4. Coverage of General Anesthesia and Hospital or Ambulatory Surgical Facility Charges for Certain Dental Care - History. Code 1981, § 33-24-28.4 , enacted by Ga. L....
§ 33-24-29. Coverage for Treatment of Mental Disorders Under Accident and Sickness Insurance Benefit Plans Providing Major Medical Benefits Covering Small Groups; Federal Law - History. Code 1981, § 33-24-29 , enacted by Ga. L....
§ 33-24-29.1. Coverage for Mental Disorders Under Accident and Sickness Insurance Benefit Plans Providing Major Medical Benefits Covering All Groups Except Small Groups - History. Code 1981, § 33-24-29.1 , enacted by Ga. L....
§ 33-24-30. Excluding or Denying Coverage on Basis of Violation of Civil Air Regulations - History. Code 1933, § 56-2439, enacted by Ga. L. 1968,...
§ 33-24-30.1. Excluding or Denying Coverage on Basis of Lawful Firearms Possession - No policy of insurance issued or delivered in this state...
§ 33-24-31. Provision in Group Disability Income Policies for Offsetting of Increased Social Security Benefits - No group disability income policy which integrates benefits shall provide...
§ 33-24-32. Underwriters’ and Combination Policies - History. Code 1933, § 56-2417, enacted by Ga. L. 1960,...
§ 33-24-33. Binders and Other Contracts for Temporary Insurance - History. Code 1933, § 56-2420, enacted by Ga. L. 1960,...
§ 33-24-34. Authorization of Group Insurance for Government Employees; Deduction of Premiums From Wages or Salaries - Each and every county, county board of education, city, town,...
§ 33-24-35. Withdrawal or Retirement From Group Insurance Plan - Participation in group insurance by employees shall be entirely voluntary...
§ 33-24-36. Effect of Government Employee Group Insurance Upon Rights Under Workers’ Compensation Act - The insurance permitted under Code Sections 33-24-34 and 33-24-35 shall...
§ 33-24-38. Renewal or Extension of Policies by Certificate or Endorsement - Any insurance policy terminating by its terms at a specified...
§ 33-24-39. Insurers to Furnish Forms for Proof of Loss; Effect of Furnishing or Failure to Furnish Forms - An insurer shall furnish, upon written request of any person...
§ 33-24-40. Acts of Claims Administration Not to Be Deemed Waiver of Policies or Defenses Under Policies - Without limitation of any right or defense of an insurer...
§ 33-24-41. Discharge of Insurer by Payment Generally - Whenever the proceeds of or payments under a life or...
§ 33-24-41.1. Motor Vehicle Accident Claim Covered by Two or More Insurance Carriers; Limited Release - History. Code 1981, § 33-24-41.1 , enacted by Ga. L....
§ 33-24-41.2. Written Notice by Insurer to Claimant of Payment of Claim in Third-Party Settlement - History. Code 1981, § 33-24-41.2 , enacted by Ga. L....
§ 33-24-42. Payment of Claims in Event of Simultaneous Deaths - Where the individual insured or the annuitant and the beneficiary...
§ 33-24-43. Medium of Payment - It shall be unlawful for any insurer to provide in...
§ 33-24-44. Cancellation of Policies Generally - (d.1) The notice requirements of this Code section shall not...
§ 33-24-44.1. Procedure for Cancellation by Insured and Notice - History. Code 1981, § 33-24-44.1 , enacted by Ga. L....
§ 33-24-45. Cancellation or Nonrenewal of Automobile or Motorcycle Policies; Procedure for Review by Commissioner - Code Section 33-24-45 of the Official Code of Georgia Annotated...
§ 33-24-46. Cancellation or Nonrenewal of Certain Property Insurance Policies - Code Section 33-24-46 of the Official Code of Georgia Annotated...
§ 33-24-47. Notice Required of Termination or Nonrenewal, Increase in Premium Rates, or Change Restricting or Reducing Coverage; Failure of Insurer to Comply - History. Code 1981, § 33-24-47 , enacted by Ga. L....
§ 33-24-47.1. Notice Prior to Cancellation or Nonrenewal of Individual or Group Accident and Sickness Policy - History. Code 1981, § 33-24-47.1 , enacted by Ga. L....
§ 33-24-48. Acceptance of Surety Insurance Companies as Sureties Upon Bonds of Persons or Corporations; Rights and Liabilities of Corporate Sureties - Any surety insurance company or any other corporation or company...
§ 33-24-49. Deposit of Funds Covered by Bonds - It shall be lawful for any party of whom a...
§ 33-24-50. Action as Sureties Upon Guaranteed Arrest Bond Certificates; Acceptance of Certificates - History. Code 1933, § 56-2438, enacted by Ga. L. 1960,...
§ 33-24-51. Purchase of Insurance Covering Injuries Resulting From Governmental Ownership and Use of Motor Vehicles; Waiver of Governmental Immunity; Limitation of Liabilities - History. Code 1933, § 56-2437, enacted by Ga. L. 1960,...
§ 33-24-52. Direct Response Insurance Business - History. Code 1981, § 33-24-52 , enacted by Ga. L....
§ 33-24-53. Solicitation, Release, or Sale of Automobile Accident Information Prohibited; Definitions; Exceptions; Penalties - History. Code 1981, § 33-24-53 , enacted by Ga. L....
§ 33-24-54. Payments to Nonparticipating or Nonpreferred Providers of Health Care Services - History. Code 1981, § 33-24-54 , enacted by Ga. L....
§ 33-24-55. Health Insurance; Recovery Rights of State for Payments Made Under Medicaid; Rights of Children to Coverage; Requirements for Insurers Under Orders to Provide Coverage - History. Code 1981, § 33-24-55 , enacted by Ga. L....
§ 33-24-56. Prohibition Against Requiring Referral From Primary Care Physician to Dermatologist - History. Code 1981, § 33-24-56 , enacted by Ga. L....
§ 33-24-56.1. Reimbursement of Medical Expense or Disability Benefit Providers in Personal Injury Cases; Subrogation Prohibited; Notice - History. Code 1981, § 33-24-56.1 , enacted by Ga. L....
§ 33-24-56.2. Surveillance Tests for Ovarian Cancer - History. Code 1981, § 33-24-56.2 , enacted by Ga. L....
§ 33-24-56.3. Colorectal Cancer Screening and Testing - History. Code 1981, § 33-24-56.3 , enacted by Ga. L....
§ 33-24-56.4. Short Title; Definitions; Payment for Telehealth Services - (3.1) “Interprofessional consultation” means an assessment and management service in...
§ 33-24-56.5. Health Benefit Policy to Provide Coverage for Orally Administered Chemotherapy for the Treatment of Cancer; Definitions - History. Code 1981, § 33-24-56.5 , enacted by Ga. L....
§ 33-24-57. Health Insurance; Provision That Coverage Cannot Be Terminated Due to Individual Claims Experience Required - History. Code 1981, § 33-24-57 , enacted by Ga. L....
§ 33-24-57.1. Health Insurance Identification Card; Issue Required; Contents; Updating; Social Security Numbers Not to Be Displayed - History. Code 1981, § 33-24-57.1 , enacted by Ga. L....
§ 33-24-58. Newborn Baby and Mother Protection Act; Short Title - This Code section and Code Sections 33-24-58.1 and 33-24-58.2 shall...
§ 33-24-58.1. Newborn Baby and Mother Protection Act; Legislative Findings and Declaration - The General Assembly finds and declares that: History. Code 1981,...
§ 33-24-58.2. Newborn Baby and Mother Protection Act; Minimum Health Benefit Policy Coverage; Prohibited Actions by Insurance Providers; Required Notice to Mother - In addition to such notice, the insurer shall also provide...
§ 33-24-59. Women’s Access to Health Care; Health Insurance; Provision Disclosing Insured’s Right to Direct Access to Obstetricians and Gynecologists Required - History. Code 1981, § 33-24-59 , enacted by Ga. L....
§ 33-24-59.1. Coverage for Treatment of Dependent Children With Cancer - History. Code 1981, § 33-24-59.1 , enacted by Ga. L....
§ 33-24-59.2. Coverage for Equipment and Self-Management Training for Individuals With Diabetes; Enforcement - History. Code 1981, § 33-24-59.2 , enacted by Ga. L....
§ 33-24-59.3. Payments Sent Directly to Health Care Provider by Insurer - History. Code 1981, § 33-24-59.3 , enacted by Ga. L....
§ 33-24-59.4. Confidentiality of Medical Information Obtained From Pharmacies; Restrictions on Release of Information; Penalty for Violation - History. Code 1981, § 33-24-59.4 , enacted by Ga. L....
§ 33-24-59.5. Definitions; Timely Payment of Health Benefits; Notification of Failure to Pay; Penalties; Applicability - History. Code 1981, § 33-24-59.5 , enacted by Ga. L....
§ 33-24-59.6. Prescribed Female Contraceptive Drugs or Devices; Insurance Coverage - History. Code 1981, § 33-24-59.6 , enacted by Ga. L....
§ 33-24-59.7. Coverage for the Treatment of Morbidly Obese Patients; Short Title; Legislative Findings; Adoption of Rules and Regulations by Commissioner - History. Code 1981, § 33-24-59.7 , enacted by Ga. L....
§ 33-24-59.8. Coverage for Prescription Inhalers; No Restriction on the Number of Days Before Obtaining a Refill as Prescribed - No individual major medical or group health insurance policy, group...
§ 33-24-59.9. Registered Nurse First Assistants - History. Code 1981, § 33-24-59.9 , enacted by Ga. L....
§ 33-24-59.10. Coverage for Autism - All health carriers and health benefit plans subject to the...
§ 33-24-59.11. Insurance Coverage for Prescription Drugs Used in Manner Different Than Use Authorized by Fda - History. Code 1981, § 33-24-59.11 , enacted by Ga. L....
§ 33-24-59.12. Patient Access to Eye Care - History. Code 1981, § 33-24-59.12 , enacted by Ga. L....
§ 33-24-59.13. Exemptions From Certain Unfair Trade Practices for Certain Wellness and Health Improvement Programs; Incentives - History. Code 1981, § 33-24-59.13 , enacted by Ga. L....
§ 33-24-59.14. Definitions; Prompt Pay Requirements; Penalties - History. Code 1981, § 33-24-59.14 , enacted by Ga. L....
§ 33-24-59.15. Definitions; Dental Insurance - History. Code 1981, § 33-24-59.15 , enacted by Ga. L....
§ 33-24-59.16. Equal Access to Child’s Health Insurance Information; Exceptions - History. Code 1981, § 33-24-59.16 , enacted by Ga. L....
§ 33-24-59.17. Coverage of Certain Abortions Through Certain Qualified Health Plans Prohibited; Definitions - History. Code 1981, § 33-24-59.17 , enacted by Ga. L....
§ 33-24-59.18. Coverage for Treatment of a Terminal Condition - History. Code 1981, § 33-24-59.18 , enacted by Ga. L....
§ 33-24-59.19. Coverage for Treatment of Burns With Skin Substitutes Utilizing Cryopreserved Cadaver Derived Skin Tissue - No health benefit policy issued, delivered, or renewed in this...
§ 33-24-59.20. Access to Stage Four Advanced, Metastatic Cancer Treatments in Health Benefit Plans - History. Code 1981, § 33-24-59.20 , enacted by Ga. L....
§ 33-24-59.21. Health Plans to Provide Coverage for Hearing Aids for Certain Individuals; Frequency of Replacement; Coverage of Services and Supplies; Options for Higher Priced Devices - History. Code 1981, § 33-24-59.21 , enacted by Ga. L....
§ 33-24-59.22. Prescription Drug Program Defined; Cost Sharing; Denial of Coverage; Dispensing Fees - History. Code 1981, § 33-24-59.22 , enacted by Ga. L....
§ 33-24-59.23. Carrier Issuing Health Benefit Plans to Pay Insurance Agent’s Commissions; Regulation - History. Code 1981, § 33-24-59.23 , enacted by Ga. L....
§ 33-24-59.24. Restrictions on Payment Methods Prohibited; Waiver of Provisions Prohibited; Enforcement - History. Code 1981, § 33-24-59.24 , enacted by Ga. L....
§ 33-24-59.25. Establishment by Health Benefit Plans of Step Therapy Protocols; Exception Process; Time Requirements; Appeals; Construction; Application - If the health benefit plan fails to respond in accordance...
§ 33-24-59.26. Limitation on Definition of “Preexisting Condition” - History. Code 1981, § 33-24-59.26 , enacted by Ga. L....
§ 33-24-59.27. Right to Shop for Insurance Coverage; Disclosure of Pricing Information; Notice - The Commissioner shall promulgate rules and regulations which define the...
§ 33-24-59.28. Insurer Obligations for Early Prescription Refills During Emergencies - History. Code 1981, § 33-24-59.28 , enacted by Ga. L....
§ 33-24-59.29. Copayments - History. Code 1981, § 33-24-59.29 , enacted by Ga. L....
§ 33-24-59.30. Requirements for Health Insurance Issuer for Anatomical Gifts or Organ Transplants; Medically Inappropriate Organ Transplants - History. Code 1981, § 33-24-59.30 , enacted by Ga. L....
§ 33-24-59.31. When a Value-Added Product or Service Is Not an Unfair Trade Practice or Unlawful Inducement - The following shall not be construed as an unfair trade...
§ 33-24-59.32. Cost-Sharing Requirements for Diagnostic and Supplemental Breast Screening Examinations - History. Code 1981, § 33-24-59.32 , enacted by Ga. L....
Article 2 - Assessment of Proposed Accident and Sickness Insurance Coverage
§ 33-24-60. Short Title - This article shall be known and may be cited as...
§ 33-24-61. Legislative Findings and Intent - It is the intent of the General Assembly to encourage...
§ 33-24-62. “Health Insurance Benefit Bill” Defined - As used in this article, the term “health insurance benefit...
§ 33-24-63. Review of Health Insurance Benefit Bill by General Assembly; Commissioner to Issue Report on Bill - History. Code 1981, § 33-24-63 , enacted by Ga. L....
§ 33-24-64. Contents of Report by Commissioner on Health Insurance Benefit Bills - The report required under Code Section 33-24-63 for assessing the...
§ 33-24-65. Public Hearing - The Commissioner of Insurance, upon receiving a certified copy from...
§ 33-24-66. Evidence, Testimony, and Information Necessary to Prepare Report Under Code Section 33-24-63; Time Period for Issuing of Reports on Bill - History. Code 1981, § 33-24-66 , enacted by Ga. L....
§ 33-24-67. Rules and Regulations - The Commissioner shall promulgate all rules and regulations necessary or...
Article 3 - Breast Cancer Patient Care
§ 33-24-70. Short Title - This article shall be known and may be cited as...
§ 33-24-71. Legislative Findings - The General Assembly finds and declares that: History. Code 1981,...
§ 33-24-72. Mastectomy; Lymph Node Dissection; Coverage for Inpatient Care and Follow-Up Visits Required by Health Insurers; Notice to Policyholders - History. Code 1981, § 33-24-72 , enacted by Ga. L....
Article 4 - Underwriting and Rate Risking
§ 33-24-90. Definitions - As used in this article, the term: History. Code 1981,...
§ 33-24-91. Use of Credit Information to Underwrite or Rate Risks - An insurer authorized to do business in this state that...
§ 33-24-92. Disputed Items in Credit Report - If an item or items contained in the credit information...
§ 33-24-93. Disclosure by Insurer of Use of Credit Information - History. Code 1981, § 33-24-93 , enacted by Ga. L....
§ 33-24-94. Adverse Action Based on Credit Information; Notice to Consumer - If an insurer takes an adverse action based upon credit...
§ 33-24-95. Filing Scoring Models With Commissioner; Confidential Nature of Filing - History. Code 1981, § 33-24-95 , enacted by Ga. L....
§ 33-24-96. Insurer Obligation to Indemnify and Defend Agents - An insurer shall indemnify, defend, and hold agents harmless from...
§ 33-24-97. Consumer Reporting Agency Disclosure of Insurance Information; Applicability to Motor Vehicle Reports - History. Code 1981, § 33-24-97 , enacted by Ga. L....
§ 33-24-98. Use of Insurance Scores Permitted - Notwithstanding any provision of law to the contrary, insurers shall...